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products owner - cards

products owner cards

HugoBank

<div>The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank&rsquo;s Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank&rsquo;s credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank&rsquo;s broader mission. 
Essential Duties and Responsibilities 
Product Strategy &amp; Proposition Development<ul>
<li>
Define and execute the end-to-end product strategy for HugoBank&rsquo;s Credit Card portfolio including secured and unsecured variants aligned with the bank&rsquo;s financial inclusion and lending-first vision.</li>
<li>Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users.</li>
<li>Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan.</li>
<li>Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank&rsquo;s overall product evolution and regulatory milestones.</li>
<li>Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential.</li>
</ul>
Product Design, Development &amp; Implementation<ul>
<li>
Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines.</li>
<li>Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management.</li>
<li>Support testing, UAT, and post-launch monitoring to ensure seamless product rollout.</li>
<li>Regularly review customer journeys and feedback to identify friction points and propose design enhancements.</li>
<li>Contribute to the long-term evolution of the bank&rsquo;s credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements.</li>
<li>Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation.</li>
<li>Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank&rsquo;s strategic ecosystem.</li>
<li>Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives.</li>
</ul>
Portfolio Management &amp; Performance Optimization<ul>
<li>
Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability.</li>
<li>Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data.</li>
<li>Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history.</li>
<li>Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers.</li>
<li>Build and execute campaigns and offers that drive product stickiness and long-term engagement.</li>
<li>Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience.</li>
</ul>
Governance, Risk &amp; Compliance<ul>
<li>
Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies.</li>
<li>Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals.</li>
<li>Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks.</li>
<li>Conduct periodic risk reviews to identify control gaps and implement corrective actions.</li>
</ul>
Cross-Functional Collaboration &amp; Stakeholder Management<ul>
<li>
Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience.</li>
<li>Engage with external partners to ensure seamless delivery and innovation.</li>
<li>Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies.</li>
</ul>
Secondary Responsibilities<ul>
<li>
Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective.</li>
<li>Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes.</li>
<li>Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts.</li>
<li>Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards.</li>
<li>Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release.</li>
</ul>
Requirements<ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory</li>
<li>6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments.</li>
<li>Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants.</li>
<li>Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization.</li>
<li>Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments.</li>
<li>Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent).</li>
<li>Experience working in banks, fintechs, or card-issuing institutions will be preferred.</li></ul></div>

Products Owner - Cards

<div>
 The Product Lead Credit Cards will be responsible for developing, managing, and scaling HugoBank's Credit Card portfolio, encompassing both secured and unsecured variants. This role serves as the central point of ownership for product strategy, design, performance, and regulatory alignment across the card lifecycle from acquisition and activation to usage, collections, and retention. The incumbent will play a pivotal role in shaping the evolution of HugoBank's credit card strategy, leveraging data, partnerships, and customer insights to drive portfolio growth and financial inclusion in alignment with the Bank's broader mission.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Strategy &amp; Proposition Development
 
 
 
 <ul>
 <li>
 Define and execute the end-to-end product strategy for HugoBank's Credit Card portfolio including secured and unsecured variants aligned with the bank's financial inclusion and lending-first vision
 </li>
 <li>
 Develop differentiated customer value propositions (CVPs) that address key customer segments such as salaried millennials, professionals, and emerging credit users
 </li>
 <li>
 Conduct market scans and competitor benchmarking to identify whitespace opportunities, pricing gaps, and innovative features contextual to Pakistan
 </li>
 <li>
 Create and maintain the Credit Card Product Roadmap, ensuring alignment with the bank's overall product evolution and regulatory milestones
 </li>
 <li>
 Collaborate with internal stakeholders and external partners (Visa, PayPak, Mastercard, etc.) to design compelling propositions with strong reward, spend, and engagement potential
 
 
 </li>
 </ul>
 
 Product Design, Development &amp; Implementation
 
 
 
 <ul>
 <li>
 Translate product concepts into detailed Business Requirement Documents (BRDs) and work with Technology and Operations for delivery within agreed timelines
 </li>
 <li>
 Develop of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Coordinate with Vendors and Processors for card issuance, tokenization, personalization, and lifecycle management
 </li>
 <li>
 Support testing, UAT, and post-launch monitoring to ensure seamless product rollout
 </li>
 <li>
 Regularly review customer journeys and feedback to identify friction points and propose design enhancements
 </li>
 <li>
 Contribute to the long-term evolution of the bank's credit ecosystem by providing insights into customer behavior, regulatory trends, and technology advancements
 </li>
 <li>
 Support the development of new features, loyalty propositions, and digital enhancements to improve user experience and differentiation
 </li>
 <li>
 Assist in exploring opportunities for embedded card offerings (e.g., co-branded or partnership cards) aligned with HugoBank's strategic ecosystem
 </li>
 <li>
 Stay informed on emerging card technologies such as tokenization, contactless payments, and AI-driven credit scoring to recommend future initiatives
 
 
 </li>
 </ul>
 
 Portfolio Management &amp; Performance Optimization
 
 
 
 <ul>
 <li>
 Monitor portfolio health, including key metrics such as activation, utilization, delinquency, and profitability
 </li>
 <li>
 Drive initiatives to increase spend, retention, and cross-sell, leveraging customer insights and behavioral data
 </li>
 <li>
 Develop strategies to migrate secured customers to unsecured credit cards based on internal credit behavior and repayment history
 </li>
 <li>
 Maintain the product P&amp;L, working with Finance to track revenue drivers (interest income, interchange, fees) and manage cost levers
 </li>
 <li>
 Build and execute campaigns and offers that drive product stickiness and long-term engagement
 </li>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 
 
 </li>
 </ul>
 
 Governance, Risk &amp; Compliance
 
 
 
 <ul>
 <li>
 Ensure full compliance with State Bank of Pakistan (SBP) regulations, consumer protection guidelines, and internal risk policies
 </li>
 <li>
 Work with Compliance and Legal teams to ensure proper documentation, disclosures, and product approvals
 </li>
 <li>
 Coordinate with Fraud Risk and Operations for chargeback, dispute, and fraud monitoring frameworks
 </li>
 <li>
 Conduct periodic risk reviews to identify control gaps and implement corrective actions
 
 
 </li>
 </ul>
 
 Cross-Functional Collaboration &amp; Stakeholder Management
 
 
 
 <ul>
 <li>
 Act as the primary product liaison across internal functions &mdash; Technology, Credit Risk, Operations, Finance, Marketing, and Customer Experience
 </li>
 <li>
 Engage with external partners to ensure seamless delivery and innovation
 </li>
 <li>
 Partner with Marketing to design go-to-market campaigns, customer education, and lifecycle communication strategies
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Participate actively in cross-departmental workshops and agile sprints, providing input from a credit card product perspective
 </li>
 <li>
 Liaise with Operations and Contact Centre teams to ensure smooth resolution of customer service issues related to card activation, billing, rewards, and disputes
 </li>
 <li>
 Coordinate with Back-Office and Finance to ensure accurate reconciliation of credit card transactions, fees, and commission payouts
 </li>
 <li>
 Contribute to the preparation of regulatory submissions, inspection responses, and compliance reports related to credit cards
 </li>
 <li>
 Ensure marketing collaterals, campaigns, and communication materials are reviewed and approved by Compliance before release
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Finance, Economics or a related field from a recognized institution is mandatory
 </li>
 <li>
 6 years + of progressive experience in Product Management in Credit Cards, Consumer Lending, or Payments
 </li>
 <li>
 Proven track record of developing and managing credit card products including secured, unsecured, and co-branded variants
 </li>
 <li>
 Demonstrated experience in end-to-end product lifecycle management, from conceptualization and go-to-market to performance tracking and optimization
 </li>
 <li>
 Exposure to SBP regulatory frameworks governing credit cards, consumer protection, and payment instruments
 </li>
 <li>
 Hands-on experience collaborating with card schemes (Visa, PayPak, Mastercard) and third-party processors (e.g., IDEMIA, NymCard, or equivalent)
 </li>
 <li>
 Experience working in banks, fintechs, or card-issuing institutions will be preferred
 </li>
 </ul>
</div>

Mashreq

<div>
 
 
 About the Company
 
 
 
 
 
 
 Mashreq Digital Bank is committed to providing a best-in-class customer experience while ensuring compliance with regulatory requirements and achieving commercial objectives in the payments domain.
 
 
 
 
 
 
 
 
 
 About the Role
 
 
 
 
 
 
 
 
 
 The Senior Product Owner &ndash; Payments will be responsible for driving the strategy, development, and delivery of payment products with a focus on international remittances and payment instruments. This role will act as the bridge between business, technology, compliance, and operations teams to deliver innovative, customer-centric solutions in line with the bank&rsquo;s digital-first strategy.
 
 
 
 
 
 
 
 
 
 Responsibilities
 
 
 
 
 
 
 
 
 <ul>
 <li>
 
 Product Strategy &amp; Roadmap
 
 </li>
 <li>
 Define, prioritize, and manage the payments product roadmap with emphasis on international remittances and payment instruments.
 </li>
 <li>
 Identify market trends, customer needs, and regulatory developments to shape product direction.
 </li>
 <li>
 Align product strategy with Mashreq&rsquo;s overall digital banking objectives.
 </li>
 <li>
 </li>
 <li>
 
 Product Development &amp; Delivery
 
 </li>
 <li>
 Own the product backlog and ensure timely delivery of features and enhancements through Agile methodology.
 </li>
 <li>
 Partner with technology teams to design, build, test, and launch secure, scalable, and compliant solutions.
 </li>
 <li>
 Lead end-to-end product lifecycle management from ideation to launch and continuous improvement.
 </li>
 <li>
 </li>
 <li>
 
 Customer Experience &amp; Innovation
 
 </li>
 <li>
 Deliver seamless, intuitive, and differentiated payment journeys for retail and SME customers.
 </li>
 <li>
 Drive innovation by integrating with fintechs, global remittance players, and payment schemes.
 </li>
 <li>
 Champion digital-first design, customer insights, and data-driven decision-making.
 </li>
 <li>
 </li>
 <li>
 
 Risk, Compliance &amp; Governance
 
 </li>
 <li>
 Ensure adherence to local regulatory guidelines (SBP, FATF, AML/CFT, data privacy).
 </li>
 <li>
 Implement robust controls around transaction monitoring, fraud prevention, and operational resilience.
 </li>
 <li>
 Work closely with compliance, legal, and risk teams to mitigate risks in cross-border payments.
 </li>
 <li>
 </li>
 <li>
 
 Commercial Performance &amp; Partnerships
 
 </li>
 <li>
 Monitor and drive KPIs such as transaction growth, revenue, customer adoption, and cost efficiency.
 </li>
 <li>
 Build and manage partnerships with payment networks, remittance partners, and technology vendors.
 </li>
 <li>
 Support pricing, go-to-market strategy, and promotional campaigns for payment products.
 </li>
 <li>
 </li>
 <li>
 
 Stakeholder Engagement
 
 </li>
 <li>
 Collaborate with group/regional teams to align on strategy, platforms, and cross-border initiatives.
 </li>
 <li>
 Influence and manage senior stakeholders to support product priorities.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 Qualifications
 
 
 
 
 
 
 
 
 <ul>
 <li>
 8&ndash;12 years of relevant experience in payments, remittances, or digital banking.
 </li>
 <li>
 Prior experience as a Product Owner / Product Manager in a bank, fintech, or payment service provider.
 </li>
 <li>
 Track record of launching and scaling successful payment products in complex environments.
 </li>
 <li>
 Exposure to cross-border remittances, card issuing, or real-time payments is essential.
 </li>
 <li>
 Experience working with international payment partners and schemes preferred.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Required Skills
 
 
 
 
 
 
 
 
 <ul>
 <li>
 Deep understanding of payments ecosystem (domestic and cross-border).
 </li>
 <li>
 Knowledge of international remittances (corridors, settlement, compliance requirements).
 </li>
 <li>
 Familiarity with global and local payment schemes, real-time payments, card issuance, and acquiring.
 </li>
 <li>
 Strong grasp of digital banking, fintech integrations, APIs, and customer authentication methods.
 </li>
 <li>
 Regulatory frameworks in Pakistan (SBP regulations, AML/CFT, data privacy).
 </li>
 <li>
 Product ownership and backlog management in Agile/Scaled Agile environments.
 </li>
 <li>
 Strong analytical, problem-solving, and commercial acumen.
 </li>
 <li>
 Excellent stakeholder management, negotiation, and communication skills.
 </li>
 <li>
 Customer-centric mindset with ability to translate insights into product features.
 </li>
 <li>
 Ability to balance innovation with risk and compliance considerations.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Preferred Skills
 
 
 
 
 
 
 
 
 <ul>
 <li>
 Experience working with international payment partners and schemes preferred.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Pay range and compensation package
 
 
 
 
 
 
 
 
 
 Compensation details are not specified in the provided job description.
 
 
 
 
 
 
 
 
 
 Equal Opportunity Statement
 
 
 
 
 
 
 
 
 
 Mashreq Digital Bank is committed to diversity and inclusivity in the workplace.
 
 
 
 
 
 ```
 
</div>

Senior Product Owner-Payments

Horizon Tech

About the Role We are seeking a remote graphic designer with strong production and prepress skills who can support both template creation for our online storefront and ongoing daily design work. This role starts with building accurate product templates that include proper bleeds, safe zones, and PDF field mapping so customers can personalize items directly on our webstore. After the initial template work, the designer will expand into a long-term production role handling a wide range of printed and digital assets. The position requires someone reliable, fast, organized, and confident working across everything from small-format paper products to large-format signage and apparel graphics.Key Responsibilities<ul><li>Create customer-facing design templates for a variety of products using correct bleeds, safe zones, and print specifications</li><li>Build and map PDF templates using form-field mapping based on provided examples</li><li>Produce daily production artwork including print-ready files for business cards, brochures, menus, flyers, booklets, decals, banners, and apparel graphics</li><li>Handle vector cleanup, artwork recreation, and accurate file preparation</li><li>Work on large-format layouts, signage, and other wide-format items</li><li>Maintain clean, professional layout standards across multi-page and paper-based products</li><li>Support marketing with occasional social media graphics</li><li>Communicate clearly, meet timelines, and maintain consistent accuracy across projects</li></ul>Qualifications<ul><li>Strong Adobe Illustrator and InDesign skills</li><li>Experience creating print templates and working with PDF field mapping or similar form setups</li><li>Solid understanding of print production including CMYK, spot colors, bleeds, trim lines, and vector work</li><li>Proven ability to design clean and organized layouts for menus, brochures, and other multi-page documents</li><li>Experience with large-format design and apparel graphics is preferred</li><li>Ability to work quickly without sacrificing accuracy</li><li>Dependable communication and consistent follow-through</li></ul>Job Type: Full-timePay: Rs150,000.00 - Rs200,000.00 per monthWork Location: In person

Prepress Graphic Designer (ZR-591)

Limton Group of Companies

Limton Group of companies is currently hiring for CRM Coordinatior, responsible for all the tasks related to complaint management, repair and inhouse companion products sales in CSD. Required to coordinate with the customers, note their issues and coordinate with field engineers or inhouse engineers for resolution of complaint or repair as case maybe. Also required to deal with walk-in clients who come to purchase or collect companion products and/or repaired machines. Ensuring quality checks and timelines check on engineers is important.Qualification RequirementsBE (Electronics) / MSc (Applied Physics)DAE (Electronics) with some business backgroundExperience RequirementsAt least one year working experience in similar capacity or in technical coordinationSkills RequirementExcellent verbal and written communication skills (in English); able to coordinate with variety of internal &amp; external customers; organizational and planning skills, handle multiple tasks simultaneously, set goals and meet deadlines, ability to take initiative; analytical, reasoning and problem solving skills; ability to maintain accurate and detailed records; computer literacy.Job Responsibilities:<ul><li>Receive and log client complaints, assign to engineers for timely resolution.</li><li>Follow up on visits, collect client feedback on engineer performance.</li><li>Achieve sales targets for Companion Products.</li><li>Assist clients, generate IRFs, coordinate invoicing, and ensure prompt delivery.</li><li>Efficiently handle credit sales and follow up on payment.</li><li>Meet monetary targets for Repairs.</li><li>Receive and log repair requests, coordinate estimates, and ensure timely completion.</li><li>Generate IRFs, coordinate invoicing, and collect payments promptly.</li><li>Monitor repaired machines, inform clients, and manage outstanding payments.</li><li>Verify daily reports of engineers and technicians.</li><li>Submit daily activity reports to ACSM.</li><li>Maintain reports for all operations and conduct customer satisfaction surveys.</li><li>Forward cases to Marketing Department.</li><li>Check and counter-sign contract and warranty cards.</li></ul>Kindly apply those candidate who have technical background.Position is open for both male and female applicants.0349-3531183Job Type: Full-timePay: Rs40,000.00 - Rs45,000.00 per monthWork Location: In person

CRM Coordinator

A.A Joyland (Pvt) Ltd

AA Joyland Pvt. Ltd. is looking to hire Electronic Technician for its Maintenance Department- for one of its Head Office based in Karachi.Position: Electronic Technician Qualification: DAE/B.TECH (Electronic) Experience: 4-5 Years&rsquo; Salary: 60K-70K Job Duties:Repairs, installs, and inspects electronics or electronic systems as directed through verbal or written directions, diagrams, drawings, or specifications. Repair malfunctions in circuitry &amp; other system structureCalibrate, troubleshoot and repair professional below machines 1. Bowling machine cards. 2. UPS. 3. Stabilizers. 4. Gaming Zone PC's. 5. Arcade games. 6. LCD. 7. AC cards. 8. Projector. 9. SMD. 10. Sound system. Performing troubleshooting activities to identify problems with equipment and system. Update reports and maintain inventory. Should good knowledge in VFD, controlling system, safety, sensors installation and circuit design.Interested candidates may share their CV at careers@aajoyland.com with mentioning the position title in the subject lineJob Type: Full-timePay: Rs60,000.00 - Rs70,000.00 per monthWork Location: In person

Electronic Technician

Womenspire Malaysia

This position is direct reporting to the CEO of the company with command in accounts department and also opportunity to learn HR at the same time personally assist the CEO for his regular work.<ul><li>Maintain accounts, bank &amp; cash transactions of the companies</li><li>Keep accounts of each company or project upto date</li><li>Create invoices for different services of all companies and share it with sales department</li><li>Attend meetings with the CEO</li><li>Should manage the CEO's work on daily basis.</li><li>Manage travel of owner</li><li>Keep record of all businesses activities of the group and keep the owner well informed.</li></ul>Job Type: Full-timePay: Rs35,000.00 - Rs60,000.00 per monthWork Location: In person

Accounts Manager & Assistant to CEO

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Products Owner - Cards

Products Owner - Cards

Senior Product Owner-Payments

Prepress Graphic Designer (ZR-591)

CRM Coordinator

Electronic Technician

Accounts Manager & Assistant to CEO